Elizabeth O’Brien of Money magazine quotes wealth advisor Ben Barzideh in an article about spouses working together to align their retirement goals. Barzideh explains that couples should request their advisor perform a retirement cash flow analysis so they understand their future projections. “It helps couples understand what they can afford to spend in retirement, based on their current situation and assumptions about future market returns, the client’s lifespan, Social Security, and other factors,” he says.